Virtually all mortgage lenders require insurance coverage to protect their investment. If the house you live in is destroyed, the real owners – and in most cases, that’s the bank – would suffer a huge monetary loss.

“They eat down there so they won’t scratch the new kitchen cabinets when they are excited and jumping up to see their food being prepared,” says Morgan. “We keep their food in the downstairs refrigerator and warm it in their own microwave. The Keurig is for making hot water to rehydrate or warm meals.”